We specialize in heart disease life insurance, helping heart attack survivors find the best coverage from top-rated companies.
Heart Attack Overview
Shopping for life insurance after a heart attack (myocardial infarction) is complicated and could be costly if you make a mistake…but that’s where we’ll help you.
We take the time to learn about your cardiovascular history and use a high-risk underwriting process (explained later) to shop the best life insurance companies available.
The result is that you’ll feel confident that your life insurance offer is the best available based on your medical history.
How to Get Life Insurance After a Heart Attack
We work with life insurance companies that offer permanent and term life insurance for heart attack victims.
Follow these tips to get affordable life insurance after a heart attack.
- Recover from your heart attack.
It seems simple enough, but many people rush out to buy life insurance right after a heart attack and end up getting declined for life insurance. We’ll let you know how long your wait is as each heart attack history is uniquely different.
- Complete your cardiac rehab
Complete your inpatient and outpatient cardiac rehab and follow your cardiologist’s orders. Life insurance companies punish you when you skip the follow-up tests.
- Manage your risk factors
When you have a heart attack, your physician is going to advise changes, including weight loss, changes to diet, exercise, blood pressure and cholesterol medications, tobacco use, etc. Make sure you make these changes and have it documented in your records when you visit your doctor.
- Know your heart attack details
Exact dates of events are critical as the availability of life insurance is based on the dates of the heart attack, treatment, and follow-up…especially if the heart attack was recent. What caused the heart attack? How many vessels were blocked, which vessels were blocked, and how was it treated – medications, stents, coronary artery bypass surgery.
- Complete your post-heart attack cardiac workups
Did you complete a stress test and/or other types of cardiac testing since the heart attack? What tests were completed? Electrocardiogram, echo, stress test, etc. What were the results of those tests? If you have not had a required follow-up test yet, companies will postpone underwriting until the test is available.
- Discuss your history with RiskQuoter
We’ll review your medical history, and will help you get the information you need to be successful shopping for life insurance. As with many heart conditions, underwriting improves as more time passes since the heart attack. We’ll tell you what to expect now and in the future with life insurance companies.
Life insurers look at the severity and damage to your heart, the number of arteries affected, treatment received and your current health when determining the availability and pricing of life insurance.
Life Insurance FAQ you’re probably thinking about
The following are the most common heart attack questions we receive:
Yes, although you may have to wait a while (postpone period) before term life insurance or universal life insurance is available. For some people, a small guaranteed issue policy may be available right away.
A common postpone period is 6 months, although some mild heart attacks may be insurable in 3 months, while more severe cases will require 12 months.
Heart attacks negatively affect life insurance rates by adding an additional 50-200% expense called a life insurance table rate. Life insurance rates tend to improve as more time passes since the heart attack.
Yes, life insurance will pay your beneficiaries if you died from a heart attack. If you bought a guaranteed issue life insurance policy, this policy would only pay the death benefit if you died in year 3 or later.
Yes, many times the reason for a decline is that you ended up with the wrong life insurance company that does not understand heart attack life insurance underwriting. We’ll get you to the right life insurance company.
Underwriters ask these questions about your health
Life insurance underwriters want to know the following about your heart history:
- How old were you when you had the heart attack?
- Did you have more than one heart attack?
- What caused the heart attack?
- Did you have bypass surgery?
- If yes, how many arteries and which ones were bypassed?
- Did you have angioplasty (stents) completed?
- If yes, how many and which arteries?
- Have you completed cardiac rehab and follow-up testing?
- What tests were performed? (stress test, echocardiogram, cardiac catheter)
- What was your left ventricular ejection fraction (LVEF) if known?
- Were the results from the follow-up stress test normal or abnormal?
- Were any other heart issues discovered? Angina, arrhythmias, atrial fibrillation, etc.
- Do you have high blood pressure?
- Do you have any other health issues?
- What medications do you take?
- Are you a smoker or a non-smoker?
- If you quit, when did you quit?
- What positive steps have you taken since the heart attack to improve your health?
Heart Attack Life Insurance Conclusion
Life insurance after a heart attack is available, but the key is working with an independent agent who understands how high-risk life insurance works.
When we work with you, we’ll take the time to learn your medical history in detail. We use a quick quote process to shop the competitive life insurance companies (takes 2-4 days) for underwriting feedback.
At that time, we show you the feedback from companies and let you know what to expect in terms of underwriting and price. We’ll even help you with determining what type of life insurance and how much life insurance should you buy.
If you decide to apply for coverage, we’ll help you with the application and paramedical exam that life insurance companies require.
There is never any pressure or obligation with our service. Should you change your mind, simply tell us to close your file.
Please take a few minutes to submit your request for life insurance quotes today. Thank you.